Visa Consumer Authentication Service

Driving smarter authentication decisions through data

Thanks to connected devices, digital transactions are on the rise.1 But so are fraud
and declines of legitimate card-not-present transactions.1 Visa Consumer
Authentication Service delivers the intelligence you need to reduce fraud and
false declines, while limiting friction for a better cardholder experience.

This is how it works:

1.
Maya buys a product on her
mobile device.

BUY

2.
The Merchant begins the
payment process.

3.
As an added layer of security,
the Merchant begins the
authentication process. The
request is passed to the
Issuer, along with contextual
data, utilizing 3-D Secure.

Visa Consumer Authentication Service helps Issuers make

smarter authentication decisions.

4.
The Issuer deploys Visa
Consumer Authentication
Service, which uses data
supplied by Visa, the Types of data can include:
Merchant and the Issuer. Merchant profiles
Geo-location
Session information
Device information
Emerging fraud trends
Confirmed fraud and

5.
chargeback data
Cardholder purchase behavior
Compromise information
Visa Consumer Authentication Transaction profiles
Services generates a risk score
for each transaction, using a
proprietary risk-scoring engine.

RIS
KS
CO
RE

6.
The risk score, as a part of the
issuer’s unique rule set, helps
the Issuer decide whether a
transaction is high or low risk.

Rules

Issuers can c reate, test and publish rules using a variety of parameters,
such as IP add ress, purchase amou nt, risk score and Merchant name.

7.
Maya’s transaction is deemed
to be low risk. Authentication
occurred behind the scenes.

AN ESTIMATED 95%2 AN ESTIMATED 5%2 of

of transactions are authenticated the time, there may be
behind the scenes, without the the need for stepped-up
need for the cardholder to take authentication.
additional steps.

Beyond risk-based
authentication, Visa Consumer
Authentication Service also
supports challenge methods,
including biometrics, one-time
passcodes and Visa Token
Service integration.

8.
With the added layer of
security that Visa Consumer
Authentication Service
provides, the Issuer has the
PURCHASE
COMPLETED purchase. Maya’s product is
on its way.

By delivering the intelligence you need to reduce fraud and false declines, Visa
Consumer Authentication Service can help provide a better cardholder experience.

© 2018 Visa. All Rights Reserved. Visa Inc.

1. http://pymnts.fetchapp.com/files/b2d59e (direct quote); https://cardnotpresent.com/declines-cost-merchants-issuers-billions-report/

2. Risk-based authentication case study: “Frictionless Experience with Verified by Visa